Is ABNB (Airbnb Inc.) halal?

Q: Is ABNB (Airbnb Inc.) halal?

DOUBTFUL: Short-term rental marketplace — core activity can be permissible, but March 2026 liquidity/assets is 44.75% and disclosed investment income exceeds the examined FTSE income limit. Airbnb's March 31, 2026 Form 10-Q shows $26,828m assets, $2,500m debt, $12,005m cash plus short-term investments and $191m receivables. Debt/assets 9.32%; liquidity/assets 44.75%; receivables+cash 26.94%; disclosed investment income 5.79% of quarterly revenue.

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ABNB

Airbnb Inc.

DOUBTFUL — SCREEN DOES NOT PASSstock

Is ABNB Halal?

Short-term rental marketplace — core activity can be permissible, but March 2026 liquidity/assets is 44.75% and disclosed investment income exceeds the examined FTSE income limit.

What You Should Know

Airbnb's March 31, 2026 Form 10-Q shows $26,828m assets, $2,500m debt, $12,005m cash plus short-term investments and $191m receivables. Debt/assets 9.32%; liquidity/assets 44.75%; receivables+cash 26.94%; disclosed investment income 5.79% of quarterly revenue.

⚠️ Concerns

•Host/guest activities are not screened by category
•Liquidity and investment-income ratios exceed examined limits
•Customer funds, deferred payments, housing effects, safety and privacy

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.

USD · millions

Interest-bearing debt / assets

9.32%Within limit

Below 33.333% under FTSE Yasaar

2,500 / 26,828

Cash + interest-bearing securities / assets

44.75%Above limit

Below 33.333% under FTSE Yasaar

12,005 / 26,828

Receivables + cash / assets

26.94%Within limit

Below 50% under FTSE Yasaar

7,228 / 26,828

Non-compliant income / revenue

5.79%Above limit

No more than 5% under FTSE Yasaar

155 / 2,678

Methodology	Financial	Overall	What drives it
FTSE Yasaar v4.6, February 2026	Fails	Fails	Liquidity/assets is 44.75%, above the examined 33.333% limit, and disclosed investment income is 5.79% of quarterly revenue; debt/assets is 9.32%.
MSCI Islamic (total-assets series) October 2024 methodology	Fails	Fails	Liquidity/assets is 44.75%, above the examined MSCI total-assets limit; business activity remains incomplete without a prohibited-revenue numerator.
Malaysia SAC financial ratios single 5% activity benchmark adopted November 2025	Fails	Fails	Liquidity/assets is 44.75%, above the examined Malaysia SAC limit. This is a calculation against SAC ratios, not an official SAC classification.
Market-cap denominator methods MSCI M-Series, S&P and Dow Jones methods differ	Not calculated	Not calculated	A licensed historical market-cap series is not stored, so market-cap denominator methods are not estimated from a spot price.

FTSE Yasaar

v4.6, February 2026

Financial: Fails
Overall: Fails

Liquidity/assets is 44.75%, above the examined 33.333% limit, and disclosed investment income is 5.79% of quarterly revenue; debt/assets is 9.32%.

MSCI Islamic (total-assets series)

October 2024 methodology

Financial: Fails
Overall: Fails

Liquidity/assets is 44.75%, above the examined MSCI total-assets limit; business activity remains incomplete without a prohibited-revenue numerator.

Malaysia SAC financial ratios

single 5% activity benchmark adopted November 2025

Financial: Fails
Overall: Fails

Liquidity/assets is 44.75%, above the examined Malaysia SAC limit. This is a calculation against SAC ratios, not an official SAC classification.

Market-cap denominator methods

MSCI M-Series, S&P and Dow Jones methods differ

Financial: Not calculated
Overall: Not calculated

A licensed historical market-cap series is not stored, so market-cap denominator methods are not estimated from a spot price.

Business-activity disclosure

Airbnb operates a marketplace for stays, experiences and services. Property and travel marketplace activity is generally permissible.

Limitation: Airbnb does not classify revenue by alcohol, gambling, adult-content, mixed-use property, or other potentially sensitive host and guest activity.

Purification

Disclosed investment income is 5.79% of quarterly revenue, but the filing does not isolate every potentially non-compliant income stream. ZakatInvest does not prescribe a fixed purification percentage.

Inputs, assumptions and primary sources

Amounts are USD millions from Airbnb's March 31, 2026 Form 10-Q.
Debt is the reported long-term debt. Short-term investments are treated as identifiable interest-bearing securities; funds receivable and amounts held for customers are not counted as ordinary trade receivables.
Accounts receivable is the reported net balance. Investment income is $155 million of disclosed nonoperating investment income.
The filing does not separately disclose prohibited-business revenue for stays, experiences, services or downstream property use.

U.S. Securities and Exchange Commission: Airbnb First Quarter 2026 Form 10-Q FTSE Russell: FTSE Yasaar Global Equity Shariah Index Series Ground Rules MSCI: MSCI Islamic Index Series Methodology Securities Commission Malaysia: Shariah-Compliant Securities Screening Methodology

This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.

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